Best Business Credit Cards of 2026

These business credit cards help you earn rewards on everyday business expenses, manage cash flow, and separate personal and business spending.

How We Rank

Cards are scored using category-specific metrics — not just the generic reward rate. Each card earns points for relevant category rewards, perks, signup bonuses, fees, and benefits that matter most for this use case. Cards from any issuer or category can qualify if they score well.

#1

Chase Ink Business Preferred

by Chase

Chase Ink Business Preferred is a business card from Chase with a $95 annual fee, earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening, and good to excellent credit.

Why it's #1

  • 1.0% base reward rate
  • 3.0% on travel
  • 3.0% on online
  • 3.0% on streaming
  • $8000 signup bonus
  • No foreign transaction fee
Annual Fee$95
Base Rate1.0%
Signup BonusEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening
Credit Score720–850
Regular APR29.99%
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#2

American Express Blue Business Plus

by American Express

American Express Blue Business Plus is a business card from American Express with no annual fee, 15,000 points after $3,000 in 3 months, and fair to good credit.

Why it's #2

  • 1.0% base reward rate
  • 2.0% on online
  • $150 signup bonus
  • No annual fee
Annual FeeNone
Base Rate1.0%
Signup Bonus15,000 points after $3,000 in 3 months
Credit Score690–850
Regular APR6.98% – 19.97%
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